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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $282,995 | $102,938+174.9% | $94,105+200.7% | $138,895+103.7% |
| Participation rate | 18.2% | 74.6%-56.5pp | 71.9%-53.8pp | 79.9%-61.7pp |
| Annual return | 18.39% | 250.28%-231.9pp | 204.55%-186.2pp | 145.39%-127.0pp |
| Employer contribution / active EE | $255 | $2,732-90.7% | $2,504-89.8% | $4,194-93.9% |
| Participant deferral / active EE | $4,727 | $4,196+12.6% | $3,881+21.8% | $6,396-26.1% |
| Admin fee / account holder | $1,091 | $6,600-83.5% | $6,199-82.4% | $12,562-91.3% |